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Updated January, 2023

Get a Subprime Debt Consolidation Loan in Los Banos California

Los Banos California residents looking for a subprime debt consolidation solution can use the maps and links on this page to find either a nationwide subprime debt solution, or a   local debt solution from a Merced County-based provider.

When you use our application form, simply start by entering your zip code and 3-digit credit score. Our system will use that information to give you a free estimate on the cost of your subprime debt consolidation (whether you choose a local Los Banos-based lender or a nationwide lender).

This page also provides links to local Los Banos service providers for debt counseling, debt relief. Use the maps to find the closest debt service companies near you, so you can make an appointment. If you can’t find a subprime loan to consolidate all your debt in, or near Los Banos, then we recommend using our application form instead.

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Subprime Debt Consolidation Providers
for Los Banos California

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Use the map below to identify subprime debt consolidation providers in or near the Los Banos, California area. We do not earn commissions from these lenders, nor do we have any business arrangements with these Los Banos lenders.

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Stress Management
In or near Los Banos CA

Use the map below to identify debt counseling offices in or near the Los Banos, California. We do not earn commissions from these providers, nor do we have any business arrangements with these Los Banos providers.

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In or near Los Banos CA

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FAQ: Subprime Debt Consolidation Loans in Los Banos CA


1.) What is a subprime debt consolidation loan?

A subprime debt consolidation loan is when a borrower with bad credit takes out a loan to pay off various other debts and is left with one lower interest loan to make payments on. We provide maps for debt consolidation loan providers in your local Los Banos area, as well as out of state lenders.

2.) Do you have a Local Subprime office in Los Banos, California?

No. is a nationwide lender-borrower conduit service, and does not have consumer office locations in Los Banos, or anywhere in Merced County. We are in the process of merging with the company and will be relocating our offices to SoCal.

3.) Who can qualify for a subprime debt consolidation loan?

Any borrower can get approved for a subprime debt consolidation loan, if they have a steady income stream, and a debt to income (DTI) ratio deemed to be manageable by the lender. Los Banos CA banks, credit unions, and subprime lenders will need to see proof of income documents.

4.) What is the APR on a subprime debt consolidation loan?

We have subprime debt consolidation rate estimator tool for that purpose. This 100% free tool uses your credit score and zip code to give you an estimate of what your true APR would be for a subprime debt consolidation loan in the Los Banos CA area. We use information from borrower survey answers provided by other subprime borrowers with similar credit scores to yours who live in, or near Merced County.

5.) Which lenders in Los Banos, California approve subprime debt consolidation loans?

We provide maps above pinning the banks and credit unions who have approved Los Banos California subprime debt consolidation loans recently.

6.) What are the risks of a subprime debt consolidation loan?

If you are approved for a subprime debt consolidation loan you must be sure not to take on more debt and find ways to increase income and decrease your monthly costs. IF YOU DON’T do this that is where the risk comes in. You risk damaging your credit further and find yourself in a financial situation that requires debt relief, or in more extreme cases, a personal bankruptcy. Therefore, we highly recommend creating a simple monthly budget and sticking to it.

7.) Do I need to have a home to get approved?

If you own a home in, or near Los Banos you can use your property as security on a subprime debt consolidation loan. If you don’t own a home, you will have to prove that you can service the loan over the full term without issue.

8.) Can I get a credit card after a subprime consolidation loan?

You can get a credit card after a debt consolidation loan, but it will most likely be a secured credit card, meaning you will have to secure the card with your own money. This enables you to use a credit card for important purchases while at the same time protect creditors from default. This is a great way to rebuild credit after a debt relief, debt consolidation, or personal bankruptcy. We have provided map pins and links below for the Los Banos California offices to help you choose the right solution for you.


January 28, 2023 weekly financial tip.

Two Card Jack

If for some reason you’re one of those folks who has taken on a lot of debt due to having a lot of credit cards, this tip is for you. We’ve seen some clients who had over 20 credit cards! Of course, what happens is you end up just chasing your debts. You pay off one with the others and cycle goes around and around until you crash. Before you know it you aren’t even making the minimum payments on all your cards. It’s like punching yourself in the face every morning, and wondering why you feel bad.

So be a two card Jack. Slowly but surely pay off one credit card at a time, and cancel it. Keep doing that until you have only two credit cards. For example, a Visa and MasterCard. Or maybe an American Express card and a Visa card. The reason you have to two different credit cards is because some stores, hotels, airlines, etc. only take on kind of credit card, and they sometimes change the cards they except.

Two card Jack never has to worry about one of his credit cards getting stolen, compromised, or dropped inn the wood chipper. He still has a backup. He can track his expenses and keep to his budget, all at the same time making sure he pays off both cards each month.

Coming in 2023

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